Non-Profit Insurance
Protect the mission, the organization, and the people leading it. Most non-profit programs are built around D&O, then layered with CGL, property, and any coverage your operations or funding partners require.
The Core Non-Profit Coverages
Directors & Officers (D&O)
The cornerstone for most non-profits. D&O helps protect directors, officers, and the organization against allegations tied to governance, financial oversight, and management decisions.
Commercial General Liability (CGL)
Covers bodily injury and property damage to others arising from operations, premises, programs, and events. Often required by landlords, municipalities, and partners.
Property and contents
If you own or lease space, we can cover the building (if owned), tenant improvements, contents, equipment, and supplies. We typically recommend replacement cost where possible.
Who This Is For
Charities and community organizations
Program delivery, fundraising, events, and volunteers.
Foundations and boards
Governance and oversight-focused entities that still carry D&O exposure.
Service organizations
Outreach, education, counselling, and community support services.
Sports, clubs, and associations
Member-driven organizations with facilities, events, coaching, and volunteers.
Charities and community organizations
Program delivery, fundraising, events, and volunteers.
Foundations and boards
Governance and oversight-focused entities that still carry D&O exposure.
Service organizations
Outreach, education, counselling, and community support services.
Sports, clubs, and associations
Member-driven organizations with facilities, events, coaching, and volunteers.
Built around D&O, then layered to your operations.
Clear options, practical coverage.
We'll review your governance, operations, staffing/volunteers, and any lease or funder requirements, then present clear options so you can choose with confidence.
Key Things to Know
Why D&O matters for non-profits
D&O can respond to allegations tied to board decisions, financial oversight, and stakeholder disputes, helping protect both individuals and the organization.
Why CGL is essential
If the public attends your premises or participates in programs, CGL becomes a practical necessity and is often contractual.
Common hidden exposures
Many non-profits handle donor data and payments. Cyber and crime coverage can help with phishing, invoice fraud, and theft-type losses.
Why D&O matters for non-profits
D&O can respond to allegations tied to board decisions, financial oversight, and stakeholder disputes, helping protect both individuals and the organization.
Why CGL is essential
If the public attends your premises or participates in programs, CGL becomes a practical necessity and is often contractual.
Common hidden exposures
Many non-profits handle donor data and payments. Cyber and crime coverage can help with phishing, invoice fraud, and theft-type losses.
Common Add-Ons for Non-Profits
Added when operations or contracts require it. We'll recommend what fits your organization.
Frequently Asked Questions
Why do non-profits need D&O?
Because directors and officers can be named in disputes tied to governance decisions or financial oversight. D&O helps protect the individuals and the organization.
Ready to Work with an Expert?
Talk to a Product Expert Today!
Get personalized advice and a quote tailored to your specific needs.